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Our Services

Because we are a full service consulting and administration firm, partnering with us ensures that your needs and the needs of your employees will be met. We offer a full range of retirement plan services. Click below for details of the services provided.


Plan Design and Implementation

Selecting, customizing and implementing a plan can be a complex process. We will guide you through each step in the process, including:

  • Design a plan tailored to meet the needs if the owners, employees and the business itself
  • Prepare plan documents as required by IRS
  • Prepare the request for and IRS determination letter, if applicable
  • Prepare the Summary Plan Description required to be distributed to plan participants
  • Prepare customized enrollment and administrative materials
  • If we are taking over a plan already in existence, we will review the existing plan provisions and recommend changes to fully meet the employer’s goals and objectives.

Defined Contribution Plan Recordkeeping and Administration

We perform the following services in order to provide smooth and efficient plan operation:

  • Calculate employee eligibility and plan entry
  • Maintain participant vested percentage records
  • Determine eligibility for allocation of employer contributions and forfeitures
  • Allocate employer and employee contributions
  • Allocate investment earnings
  • Allocate any forfeitures
  • Process distributions: Calculate distribution amount, prepare IRS forms 1099-R, 1096
  • Loan Processing: Preparation of promissory note and amortization schedules
  • Reconcile trust assets
  • Prepare customized participant statements

Defined Benefit Plan Actuarial Services and Administration

Our professional staff has the experience to provide the necessary actuarial and administrative assistance to manage your defined benefit plan:

  • Calculate employee eligibility and plan entry
  • Maintain participant vested percentage records
  • Determine eligibility to receive benefit accrual
  • Prepare annual actuarial report and certification
  • Actuarial determination of required employer contributions
  • Preparation of individual participant benefit statements
  • Process distributions: Calculate distribution amount, prepare IRS forms 1099-R, 1096
  • Loan Processing: Preparation of promissory note and amortization schedules
  • Reconcile trust assets

Annual Compliance Testing and Government Reporting

We have the knowledge and understanding to help keep your retirement plan in compliance with Federal laws and regulations and, should a violation occur, provide you with methods of correction. We provide the following services, as applicable:

  • Contribution deductibility calculations (§404)
  • Annual additions testing (§415)
  • Top heavy testing (§416)
  • Coverage testing (§410(b))
  • ADP/ACP testing (applicable to 401(k) plans)
  • Preparation of IRS Form 5500 and required schedules
  • Preparation of Summary Annual Report for plan participants
  • Preparation of appropriate PBGC form (defined benefit plans only)

Consulting Services

  • Plan amendments, terminations and mergers
  • Assist with IRS and DOL audits
  • Provide assistance with plan design and changes
  • Conduct special plan or participant benefit studies or projections
     


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